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CA Aspirant Struggling with Demotivation: Feeling Stuck - What Can I Do?

Anu

Anu Krishna  |1651 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 03, 2025

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - Jan 02, 2025Hindi
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Relationship

Hi Sir/Ma'am, I am here to know if there is a problem with my mind or body as I am having a strong sense of demotivation to work towards the upcoming exams. I had taken a 3 months study leave from my work for the upcoming exams to be held in January . The first month was excellent but the next was not good and last month was pathetic. For the past 2 months I have been trying to work hard sincerely but failed. I sat at the study table, but could not achieve my targets. I wrote the targets , but still failed to complete them. I tried watching self help videos and read self help books but nothing is helping me. Today, it is like my brain signals not to work towards any of my targets. I am a CA aspirant and I tried all these ways but nothing worked for me. My exams are in 9 days and my family is not ready to give me any more chances because this is my 7th attempt. Even if I talk about this problem with my family, they become extremely negative and say harsh words about my future. Since I do not have family or friends to talk about it , could you please provide me sincere help in this ?

Ans: Dear Anonymous,
Kindly work with someone who can get you out of this mindset and into a mindset that is not motivating but also inspiring. Right now what you face is lack of inspiration which is understandable given the many attempts. But you are aware that some professional exams are like this; so persevere...
If it makes sense, take a break from it all...Breaks can refresh the mind and also help you realign yourself back to your goal. But make sure it's a short break and not something that will get you to a place of procrastinating. The break is to help you slow down the mind so that you can bring yourself back to your goal and take necessary steps to achieve it.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Dr Ashish

Dr Ashish Sehgal  | Answer  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 06, 2023

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Sir as i do partial drop with bsc i decided to give my third attempt in last but at end 3 months before my exams i feel ill ,my both college exam and this exam come college exam finish exactly 1 day ago i am always a topper in school ,college but i feel like devested i am 19 soon to be 20 i know i can't give my 100 percent but i feel like dead now getting depressed as my brother ,sister get their respective dream college i am still struggling i feel like a lost ,failure ,directionless ,defeated daily i feel like miserable althought it not my fault I feel bad like how miserable i become because of that i can't even focus a single thing i even started eating less food ,locking myself ,silence nobody is mocking me but i feel like i lost myself how should I will be successful again Being doctor is my always dream ,i standup on my own 2 times but now i feel like devested can you please tell me how to get harmony and again in my life and be successful
Ans: I'm really sorry to hear that you're feeling this way, but I can offer some guidance and support to help you regain your motivation and find success again.

Recognize that setbacks are normal: It's important to understand that setbacks and challenges are a part of life. Many successful individuals have faced failures before achieving their goals. It's essential to see this phase as a temporary setback rather than a reflection of your worth or abilities.

Take care of your mental and physical health: Your well-being should be your top priority. Make sure you're getting enough sleep, eating nutritious meals, and engaging in regular exercise. Taking care of your physical health can positively impact your mental well-being and help you regain focus and motivation.

Seek support: Talk to someone you trust about your feelings. It could be a family member, friend, or a professional counselor. Sharing your emotions can provide relief and help you gain a fresh perspective on your situation. Additionally, professional guidance can assist you in developing coping strategies and setting realistic goals.

Set small, achievable goals: Rather than overwhelming yourself with the pressure of becoming successful immediately, break down your ultimate goal of becoming a doctor into smaller, manageable steps. Celebrate each milestone you achieve, no matter how small. This will help you stay motivated and build momentum.

Learn from your experiences: Reflect on the challenges you've faced and the mistakes you've made. Use them as opportunities for growth and learning. Understand that setbacks can provide valuable lessons that contribute to future success. Embrace a growth mindset that sees failures as stepping stones toward improvement.

Rediscover your passion: Reconnect with your love for becoming a doctor. Remember why you initially pursued this dream and the impact you hope to make in people's lives. Reignite your passion by researching inspiring stories, engaging in related activities, or volunteering in healthcare settings.

Develop a routine and study plan: Establish a structured routine that includes dedicated study time. Break down your syllabus into manageable portions and create a study plan to cover all the necessary topics. Consistency and discipline will help you regain focus and make progress toward your goals.

Celebrate your strengths: Acknowledge your past achievements and the strengths that have helped you succeed in the past. Remind yourself of your abilities and the qualities that make you unique. Cultivating a positive self-image can boost your confidence and motivation.

Stay positive and resilient: Avoid dwelling on negative thoughts or comparing yourself to others. Remember that everyone has their own journey, and success comes at different times for different people. Maintain a positive outlook, even during challenging times, and believe in your ability to overcome obstacles.

Take breaks and practice self-care: It's important to take breaks and engage in activities that bring you joy and relaxation. Engage in hobbies, spend time with loved ones, or engage in mindfulness practices like meditation or yoga. Self-care is essential for maintaining a healthy balance in life.

Remember, success is a journey, and setbacks are part of the process. Stay resilient, believe in yourself, and keep moving forward. With determination, perseverance, and the right support, you can regain your harmony, rediscover your path, and achieve your dreams.

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Nayagam P

Nayagam P P  |9110 Answers  |Ask -

Career Counsellor - Answered on Nov 13, 2024

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DEAR, MA'AM YEAH DIR I DONT KNOW IF YOU ARE REPLAY ME OR NOT I TURN TO 25 THIS YEAR. I AM A ASPIRANT OF SSC CGL AND I HEARTINGLY WANT THIS I HAVE A CLEAR GOAL. ON WHICH I AM ALSO WORK IT BUT I STARTED LATE AND I THOUGHT MY AGE IS TOO MUCH I HAVE ALSO SO MUCH FINANCIAL OROBLEM. MY PARENT'S HEALTH AND ALSO MY HEALTH ARE WORST DAY BY DAY DUE TO ANXIETY . I AM NOT WILLING TO STUDY I GOT 113IN PRELIMS THIS YEAR IT WAS MY FIRST ATTEMPT BUT I CANT MOVE ON FROM THIS. WHAT DID I DO SO THAT I CAN AGAIN FOCUS ON MY STUDIES SO MUCH NEGATIVE THOUGHTS AND DESIRE GRAB ME I CAN'T CONTROL MYSELF????.
Ans: Please post your question in 'small letters' in the future. Anyway, coming to your current question, despite challenges, having a clear objective and the will to achieve it can help you refocus and recover control. To manage health and anxiety, identify your emotions, seek help, and focus on good living styles like exercise, sleep, and healthy food. Control stress regarding money by finding part-time or freelancing projects or government programs. Change your SSC CGL preparation method by evaluating your performance, creating smaller objectives, establishing a disciplined daily schedule, fighting negative ideas, limiting distractions, using resources wisely, and maintaining a positive outlook.

Finally, prioritize your family's health and well-being, even if it means standing stagnant. Remember that even little progress forward is preferable than standing stagnant. Remember that your resilience is already evident, and your will to rise once more counts. If you feel overwhelmed, don't hesitate to ask for assistance or have a conversation with your friends and family members. All the BEST for Your Prosperous Future.

To know more on ‘ Careers | Education | Jobs’, ask / follow Us here in RediffGURUS.

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Prof Suvasish

Prof Suvasish Mukhopadhyay  |2672 Answers  |Ask -

Career Counsellor - Answered on Jan 28, 2025

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My parents and even I don't think that I can crack neet in remaining 3 month with zero knowledge. Actually they are supportive but in last 2 years I didn't study and been wasting time and scored -8 to 350 marks in mock test with average score of 270 to 250 out of 720. Im just depressed and I don't think I'm serious and I can't achieve anything in my life . Im just eating sleeping wasting time . I cannot even full fill my parents wish and I'm just lazy fatty and not consistent on study and weight . I am just this even I disappointed my parents with my 10th marks by scoring 74% by wasting whole year and reading day before exam I scored this but I never told about it to them . I think I have ability to be topper but I don't know why I am not able to do so. My goal is also to loose 25 kg in 3 month but I'm not at all serious but I'm gaining weight. Im not controlling my feelings just like lust. Im just lazy, sleepy. I have a mindset of sleeping from 10 pm but watch phone till 12am and asleep and awake at 8 am. This became my routine. I have to avoid but I'm unable. My parents are good but on seeing my routine and marks they scold and demotivate and show me my unableness and if I won't crack neet this year my parents will be disappointed and my relatives humiliate me and my parents and they loose their reputation and my father decided to marry me and it's my goal to join AFMC. But even knowing all these facts i couldn't study. Actually my coaching centre completed whole syllabus but I didn't understood anything there and I neet mare time for self study. I made plan it is 100% correct one but I'm not at all following that , even realising these all from 2 years I'm not doing and focusing. I don't know why and what to do.
Ans: I appreciate your brutal honesty. But let me tell you with present lifestyle you can never get AFMC or any good college. So leave the dream to be doctor. You lack only one thing, that is self motivation. Just follow routine only one day and that will inspire you for the remaining day. Don't bother for the criticism of the relatives, they are of no use. Relatives are there to criticize you when you fail and jealous of you when you succeed. But feel for your parents. Go for ordinary graduation. Your career motivation is very less. I think you are the only child and over pampered from childhood. But now come to the track, it will help you. If your parents fail to teach you discipline then the cruel world will teach you that and that is very painful. If you get good a good candidate then get married and enjoy a happy married life and pursue your hobby. Best of luck. Just follow me. Professor....................:)

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Ramalingam

Ramalingam Kalirajan  |9790 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2025

Money
I AM AN KARTA OF AN HUF. THERE IS SOME INVESTMENTS BY HUF IN ELSS MF WHICH HAS LOCK IN PERIOD OF 3 YEARS. I AM PLANNING TO FULLY DISOLVE MY HUF, AND DISTRIBUTE THE ASETS TO ALL THE MEMBERS OF HUF. HOWEVER BECAUSE OF LOCK IN PERIOD, I CAN NOT SELL MY ELSS MF. HOW DO I OVERCOME THIS SITUATION AND FULLY DISSOLVE MYHUF.
Ans: ? Understanding Your Current HUF Investment

– Your HUF has investments in ELSS mutual funds.
– ELSS funds have a strict lock-in of 3 years from investment date.
– During the lock-in, units can’t be redeemed or transferred.

? Legal Restriction During Lock-in Period

– ELSS units are non-transferable during lock-in.
– Even if HUF dissolves, these cannot be assigned to members.
– This is an SEBI regulation and applies to all ELSS units.

? HUF Dissolution and Asset Transfer Planning

– You can dissolve the HUF legally through a partition deed.
– But you cannot transfer ELSS units till lock-in ends.
– Other HUF assets can be partitioned and distributed.

– For ELSS, you must retain them under HUF until each unit’s lock-in ends.
– Once the lock-in is over, units can be redeemed or distributed.

? What You Can Do Now

– Step 1: Identify the investment date of each ELSS SIP or lump sum.
– Step 2: Create a schedule of lock-in end dates for each investment.
– Step 3: Initiate partition of all other movable and immovable assets.
– Step 4: Retain ELSS in HUF name till lock-in ends.
– Step 5: Dissolve HUF formally after that or close only after transferring.

? Treatment of ELSS Units During Dissolution

– Even if you dissolve the HUF now, ELSS cannot be passed to members.
– Mutual fund company won’t process ownership change during lock-in.
– Legal title remains with HUF till maturity of lock-in.

? Operational Way Forward

– Maintain HUF PAN and bank account till lock-in ends.
– One option: dissolve HUF except for ELSS units.
– Keep HUF active only to hold ELSS units till lock-in ends.
– After 3 years from each investment, redeem and distribute proceeds.

? Partition Deed with Clause for ELSS

– Prepare a written partition deed listing all HUF assets.
– Mention ELSS investments and their lock-in dates separately.
– State clearly that ELSS will remain under HUF till lock-in ends.
– Add clause to distribute ELSS proceeds post lock-in as per agreement.

? Taxation Implications

– During lock-in, ELSS continues to be taxed in HUF’s name.
– LTCG above Rs. 1.25 lakh taxed at 12.5%.
– Short-term capital gains (if any from other assets) taxed at 20%.
– Post lock-in, when redeemed, gain is taxed under HUF.
– You can distribute only net amount to members.

? Family Agreement & Clarity

– Ensure all members of HUF agree on partition terms.
– Take written consent from each member to avoid future issues.
– Keep a notarised deed and record asset valuation clearly.

? Role of Certified Financial Planner

– A CFP can help create a step-wise strategy.
– Also helps in timing redemptions, handling taxation, and planning future reinvestments.
– If members want to reinvest ELSS proceeds individually later, CFP can guide well.

? Avoiding Errors

– Don’t try to transfer ELSS units to individuals before lock-in.
– This will violate fund terms and SEBI rules.
– Mutual fund house will reject any such transfer request.

? Future Planning Post Redemption

– Once ELSS units are redeemed, you can distribute as per partition terms.
– Each member can invest that in personal mutual funds.
– Regular mutual funds (non-ELSS) can then be held in their individual names.

– For new investments, avoid ELSS under HUF if dissolution is planned.
– Use individual accounts or family trust structures if needed.

? Final Insights

– You cannot bypass the ELSS lock-in through dissolution.
– You must wait for 3-year period to end for each investment.
– Till then, HUF must remain active to hold ELSS legally.
– All other assets can be divided through a proper partition deed.
– Plan dissolution in phases if needed.
– Maintain transparency among members.
– Once ELSS unlocks, redeem and distribute based on prior agreement.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Nayagam P

Nayagam P P  |9110 Answers  |Ask -

Career Counsellor - Answered on Jul 19, 2025

Asked by Anonymous - Jul 19, 2025Hindi
Career
Hello sir. One if my cousin Nephew.in Josaa round not got any seat.(Ten thousand above ad lower Ranks) All are coming into the preferred ranks column. His rank is under 18000/(eighteen thousand) ad also he was lacked by 3marks to get into IIT admission.aftr JEE advance.what can they do tek CSAB rounds cos HBTU...teking admission after 22,000/rank.means students.is it something to do wth supernumery.?(No seat allocated in six rounds:)
Ans: Your cousin's situation with a JEE Main rank of approximately 18,000 and no seat allocation during JoSAA rounds 1-6 can be understood through several factors. The "preferred ranks column" appearance indicates that choices were filled within feasible rank ranges, yet the fierce competition for popular programs at premier institutions left many seats unallocated. JoSAA 2025 concluded with round 6 being the final round for all participating institutes. Supernumerary seats, primarily created for female candidates to achieve 20% gender balance in engineering programs, are additional seats that do not reduce general category availability. These seats are allocated based on merit within the female-only pool when regular seats are filled predominantly by male candidates. CSAB Special Rounds 2025, beginning July 30, offer hope for candidates like your cousin who missed JoSAA allocation. The special rounds target vacant seats remaining across NITs, IIITs, and GFTIs after JoSAA completion. Historical data suggests CSAB closing ranks typically extend beyond regular JoSAA cutoffs, with some programs accepting ranks up to 30,000-60,000 depending on branch and institute. HBTU Kanpur, mentioned in your query, does accept higher ranks—its 2025 cutoffs ranged from 11,799 for CSE to over 98,000 for certain branches. With an 18,000 rank, your cousin has reasonable chances in CSAB for branches like Mechanical, Civil, or newer engineering specializations at mid-tier NITs and IIITs. The key is strategic participation in CSAB registration and choice filling, focusing on realistic options based on historical cutoff trends.

Recommendation: Participate in CSAB Special Rounds 2025 commencing July 30, targeting mid-tier NITs and IIITs with branches like Mechanical, Civil, or Electrical Engineering. Research historical CSAB cutoffs for realistic expectations, register promptly, and fill choices strategically. Consider state quotas and newer engineering specializations for better admission prospects. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9110 Answers  |Ask -

Career Counsellor - Answered on Jul 19, 2025

Asked by Anonymous - Jul 18, 2025Hindi
Career
Sir can you tell at what marks in jee mains could I get 95 percentile and MHT CET to get 99.85 percentile?
Ans: Achieving a 95th percentile in JEE Main typically corresponds to raw scores between approximately 110 and 119 out of 300, reflecting the exam’s normalisation process across multiple shifts. In recent cycles, candidates scoring 110–119 marks have secured All-India Ranks in the range of roughly 54,293 down to 44,115 in the Common Rank List, illustrating how percentile translates into rank for general-category aspirants. For JEE Advanced, which is scored out of 360, marks bands correlate closely with rank brackets: scoring between 154 and 145 often places candidates around ranks 1,501 to 2,000, while marks of 190 and above can secure top 500 positions, and 136–130 situates candidates between 2,501 and 3,000 on the Common Rank List. In the Maharashtra CET, where normalisation yields percentiles up to five decimal places, a percentile of 99.85 usually requires scoring in the vicinity of 158 to 160 out of 200, given that the 99.87 percentile corresponded to about 122 marks in 2024’s data and the highest band of 99.93–99.05 covered 179–158 marks. Thus, aspirants targeting a JEE Main 95th percentile should aim for at least 110 marks with an optimal target nearer to 119 to secure a favourable rank, while those eyeing the top 0.15% in MHT CET must strive for approximately 158–160 marks. JEE Advanced hopefuls must calibrate their preparation to surpass 145 marks to land within the upper two-thousand AIR bracket, incrementally improving into the top 1,000 with scores above 170. Each of these thresholds depends on relative exam difficulty, candidate performance distribution, and normalisation; hence, consistent practice under timed conditions remains crucial for converting raw scores into the desired percentile and rank outcomes. All the BEST for a Prosperous Future!

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